Who Has The Cheapest Motorcycle Insurance In Wisconsin?

Progressive is the cheapest motorcycle insurance company in Wisconsin, at $10 per month for full coverage.


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Best cheap motorcycle insurance in Wisconsin

Motorcycle insurance is the most common way to meet Wisconsin's financial responsibility laws. But it's more than just a legal requirement. Insurance also protects you financially, both as a rider and bike owner. ValuePenguin gathered 180 quotes from across the state to find the top insurance companies in Wisconsin.

Our experts rated the best motorcycle insurance companies in Wisconsin based on cost, customer service and coverage availability.

ValuePenguin compared quotes for a full coverage policy with collision and comprehensive coverage, plus higher liability limits than the state minimum, to find the cheapest companies. See our full methodology.

Cheapest motorcycle insurance in Wisconsin

The cheapest motorcycle insurance company in Wisconsin is Progressive, at $10 per month, or $124 per year, for full coverage.

That's less than half the Wisconsin state average and $5 per month cheaper than the second-cheapest company, Dairyland.

Lowest motorcycle insurance rates in Wisconsin

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The average cost of motorcycle insurance in Wisconsin is $23 per month, or $274 per year, for full coverage. That's $10 per month less than the national average of $33.

Cheap full coverage motorcycle insurance quotes in Wisconsin

Company
Monthly rate
Progressive logo
Progressive
$10
Dairyland logo
Dairyland
$15
Harley-Davidson Insurance logo
Harley-Davidson
$20
Geico logo
Geico
$20
Allstate logo
Allstate
$31
Show All Rows

Best motorcycle insurance for most people: Progressive

  • Editor rating

  • Monthly rate

    $10 ?

Pros and cons

  • Cheapest quotes in Wisconsin
  • Standard policy includes extra perks
  • Dependable customer service
  • No rental reimbursement or trailer coverage

The best motorcycle insurance company for most riders in Wisconsin is Progressive, based on its cheap rates and reliable customer service.

Progressive has the lowest prices in Wisconsin, with an average rate of $10 per month for full coverage insurance. That's less than half the average price bikers across Wisconsin pay for coverage. Progressive also offers a wide range of discounts to make its policies even more affordable.

A standard policy from Progressive also includes coverage that other companies typically charge extra for.

  • Full replacement cost: After an accident, Progressive will return your bike to pre-accident condition or better.
  • Original equipment manufacturer (OEM) parts replacement: If you have OEM or custom parts on your motorcycle, Progressive will fix your bike with the same or better parts. This coverage comes standard when you get comprehensive and collision coverage.
  • Accessories and custom parts and equipment (CPE): Progressive includes $3,000 to cover upgrades, custom parts and your bike accessories. Riders have the option to add up to $30,000 of additional coverage.

Progressive customers can also add extra coverage options, like roadside assistance, trip interruption and enhanced injury protection.

However, Progressive doesn't offer rental reimbursement coverage. This coverage pays for a rental vehicle while your bike is in the shop after an accident. Progressive may not be the best choice if your motorcycle is your only vehicle and you can't afford to rent a car.

Best for daily riders: Dairyland

  • Editor rating

  • Monthly rate

    $15 ?

Pros and cons

  • Affordable rates
  • Useful coverage add-ons
  • Unreliable customer service
  • Can't bundle with home insurance

Dairyland is the best insurance company for daily riders because it offers rental reimbursement and roadside assistance, along with low rates.

These coverage add-ons could be essential if your motorcycle is your only way to get around.

  • Rental reimbursement coverage pays for a rental vehicle while your bike is in the repair shop after an accident.
  • Roadside assistance provides services like towing, a tire change or fuel and oil delivery if your motorcycle breaks down on the side of the road.

Dairyland also offers affordable motorcycle insurance in Wisconsin, at $15 per month for full coverage. While that's not the cheapest rate in Wisconsin, Dairyland is still $8 per month cheaper than the average price statewide.

However, riders aren't always happy with the service they get from Dairyland. The company gets 60% more customer complaints than similar-sized insurance companies, according to the National Association of Insurance Commissioners (NAIC). That means it could take longer for Dairyland to pay for repairs after a crash.

Dairyland doesn't sell home or renters insurance. So, it's not a good choice if you prefer to get all of your insurance policies from one company.


Best for military families: USAA

  • Editor rating

  • Monthly rate

    $10 ?

Pros and cons

  • Cheapest rates for military families
  • Great coverage
  • Excellent customer service
  • Only available to bikers with military ties

Military members, veterans and some of their family members can get a great deal on quality motorcycle insurance in Wisconsin through USAA.

USAA doesn't sell its own motorcycle insurance. Instead, it offers members motorcycle policies through Progressive.

USAA members get a 5% discount off Progressive's great rates, which are already the lowest in the state. USAA members can expect to pay an average of $10 per month for full coverage motorcycle insurance from Progressive.

USAA members get all of the same coverage perks as other Progressive customers. That includes full replacement cost coverage, original equipment manufacturer (OEM) parts coverage and $3,000 of custom parts protection at no extra cost.

In addition, USAA is known for having some of the best customer service in the insurance industry. So, bikers can expect a quick and easy claims process after an accident.


Wisconsin motorcycle insurance cost by city

Wauwatosa, a Milwaukee suburb, has Wisconsin's most expensive motorcycle rate, at $27 per month for full coverage.

The cities with the cheapest rates are Brookfield, another Milwaukee suburb, and Superior, located near the Minnesota border. Full coverage motorcycle insurance costs an average of $21 per month in both places.

Full coverage motorcycle insurance rates by Wisconsin city

City
Monthly cost
% from average
Appleton$22-2%
Beloit$22-2%
Brookfield$21-9%
Eau Claire$22-4%
Fitchburg$230%
Show All Rows

Wisconsin motorcycle insurance laws

Riders in Wisconsin need to prove financial responsibility to drive legally. That means you must show you can afford any damage or injuries if you cause an accident.

Motorcycle insurance is the most common and practical way to meet the financial responsibility requirement.

Riders who get motorcycle insurance need a minimum amount of liability insurance, sometimes written as 25/50/10.

Riders can also meet the financial responsibility requirement by:

  • Posting a bond issued by an insurance company
  • Making a $60,000 cash deposit with the Wisconsin Department of Transportation

Although you only need to have the minimum limits, most riders should get more coverage if they can afford it. That's because the required liability coverage doesn't protect your bike. If you can't afford to fix or replace your motorcycle after an accident, you should consider adding collision and comprehensive coverage.


Frequently asked questions

How much is motorcycle insurance in Wisconsin?

The average cost of motorcycle insurance in Wisconsin is $23 per month, or $274 per year, for full coverage. However, Progressive offers much cheaper coverage at just $10 per month, or $124 per year.

How much is motorcycle insurance in Milwaukee?

Riders in Milwaukee pay an average of $25 per month for full coverage insurance. That's $2 per month more than the Wisconsin state average. Progressive offers the cheapest motorcycle quotes in Milwaukee, averaging around $13 per month.

Is motorcycle insurance required in Wisconsin?

Motorcycle insurance is one way to meet Wisconsin's financial responsibility law. The law requires you to prove you can pay for any injuries or damage you cause in an accident. You can do this by getting motorcycle insurance, posting a bond or making a cash deposit with the Department of Transportation.


Compare motorcycle insurance in Wisconsin vs other states

Methodology

ValuePenguin collected motorcycle insurance quotes across 30 of the largest cities in Wisconsin from six major motorcycle insurance companies that operate in the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.

Quotes are for a full coverage policy, including higher liability limits than the state requirement and comprehensive and collision coverage.

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Uninsured and underinsured motorist property damage: $25,000 per accident
  • Medical payments: $5,000
  • Comprehensive and collision deductible: $500

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.